FirstBank Growth and Efficiency

Mortgage operations overview Highlights ■Total mortgage pre-tax contribution (including retail footprint) of $5.3 million in 1H 2018, compared to $8.5 million in 1H 2017, 9.3% of 1H 2018adjusted consolidated pre-tax income, down from 25.3% in 1H 2017 ■ Mortgage banking income of $55.0 million in 1H 2018, down 0.5% from 1H 2017 ■ Expect to sell $3.3 billion of loans serviced during the 3rd quarter with no material impact ■ Including the impact of MSR sales, expect total mortgage pre-tax contribution (including retail footprint) to total $5 - $7 million in 2H 2018 compared to the total pre-tax contribution in 2H 2017 of $9.7 million (guidance further revised from May 2018 guidance) Mortgage banking income ($mm) Mortgage production Consumer Direct Correspondent Third party originated Retail Retail footprint 2016 2017 1H18 IRLC volume: IRLC pipeline¹: $5.97bn $7.57bn $4.10bn $533mm $504mm $598mm Refinance %: 60% 42% 35% Purchase %: 40% 58% 65% Total adjusted pre-tax contribution² (%) ■Banking 2016 2017 1H18 (excluding retail footprint) Total Mortgage 1H17 Gain on Sale $ 94.5 $ 103.7 $ 50.5 (including retail footprint) Fair value changes $ 11.2 $ 3.5 $ (2.4) Servicing Revenue $ 12.1 $ 13.2 $ 10.4 Fair value $ $ (3.5) $ (3.5) MSR change 1 As of the respective period end. Total Income $117.8 $116.9 $55.0 FB FirstBank 74.7% 25.3% Total Mortgage decreased by 16.1 percentage points 1H18 9.3% 90.7% 2 Non-GAAP financial measure. See "Use of non-GAAP financial measures," and "Reconciliation of non-GAAP financial measures" in the Appendix hereto. 14

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